What Car Insurance is Cheapest for Government Employees in Los Angeles?

The words “low-cost” and “auto insurance” really should not be used together, especially when you are searching for the cheapest coverage for government employees. Because of the high cost, let’s lead off by showing you some of the things that influence insurance prices, and find a way to cut the cost of the next policy you buy.

Figuring out which companies quote the lowest-priced auto insurance rates for government employees calls for a little more sweat in order to find coverage that fits your budget. Every insurance company uses their own method for determining rates in each state, so we’ll take a look at the auto insurance companies with the overall cheapest rates in California.

It’s important that readers know that Los Angeles auto insurance rates are influenced by many factors that will increase or decrease the price you have to pay for coverage. Improving your credit score, buying a home, or getting into an accident can trigger rate changes resulting in some rates now being cheaper in comparison to the competition.

Best Cheap Insurance Rates in California

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Who has the cheapest car insurance in California?
Rank Company Cost Per Year
1 USAA $1,121
2 Wawanesa $1,157
3 CSAA $1,186
4 Century National $1,190
5 Nationwide $1,213
6 21st Century $1,338
7 Grange $1,477
8 Allstate $1,497
9 GEICO $1,529
10 Mercury $1,548
11 Progressive $1,558
12 Allied $1,603
13 MetLife $1,606
14 The Hartford $1,639
15 Unitrin $1,682
16 Esurance $1,688
17 State Farm $1,699
18 Bristol West $1,777
19 Travelers $1,806
20 Farmers $2,006
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USAA has some of the lowest car insurance rates in Los Angeles at around $1,121 per year. This is $530 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also rank well as some of the best Los Angeles, CA insurance companies.

In the above rates, if you currently have a policy with Wawanesa and switched to USAA, you might realize a yearly savings of in the neighborhood of $36. Insureds with CSAA might save as much as $65 a year, and Century National policyholders might see rate reductions of $69 a year.

To see how much you can save, click here to begin a quote or quote prices from the following companies.

Remember that these premiums are averaged across all insureds and vehicles and and are not figured with a specific zip code for government employees. So the auto insurance company that can offer you the lowest price may not even be in the top 24 companies shown above. That illustrates why you need to quote rates from many companies using your own driver information and specific vehicle type.

The type of vehicle you are insuring is a significant factor when comparison shopping for the best cheap insurance for government employees. Vehicles with higher performance, poor crash test ratings, or a high likelihood of having liability claims will cost significantly more to insure than more modest models. The table below illustrates car insurance premiums for a handful of the most budget-friendly automobiles to buy insurance for.

Cheapest Vehicles to Insure in Los Angeles, CA
Vehicle Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 2WD $2,198
Honda Accord EX 4-Dr Sedan $2,479
Dodge Grand Caravan Hero $2,599
Ford Escape Limited 4WD $2,619
Toyota Tacoma Double Cab TRD Sport Package 4WD $2,646
Ford Explorer Limited AWD $2,655
Ford Focus SES 4-Dr Sedan $2,689
Ford Edge Sport AWD $2,739
Toyota Prius $2,746
Ford F-250 XL 2WD $2,786
Kia Optima LX $2,795
Volkswagen Jetta SE 2.5 Station Wagon $2,829
Chevrolet Silverado 3500HD LT Crew Cab 2WD $2,836
Toyota Camry LE $2,849
Honda Odyssey EX W/Rear Entertainment $2,866
Chevrolet Impala LS $2,876
Dodge Ram Quad Cab ST 2WD $2,893
Toyota RAV4 Sport 4WD $2,933
Chevrolet Malibu LS $2,943
Toyota Camry Hybrid $2,973
Ford Fusion SEL AWD 4-Dr Sedan $2,976
GMC Sierra Denali Crew Cab 4WD $2,984
Toyota Corolla S $3,006
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Premium costs do not factor in your specific Los Angeles, CA location which can decrease or increase price quotes considerably.

Based upon the rates shown, we can presume that models like the Honda CR-V, Honda Accord, Dodge Grand Caravan, and Ford Escape will definitely be the less-costly vehicles to insure for state and federal workers.

One of the more important things that help determine the cost of insurance is where you live. More densely populated places tend to have more expensive car insurance rates, whereas areas that tend to be more rural have the luxury of cheap car insurance rates.

The information below shows the highest-priced places in California for government employees to purchase a policy in. Los Angeles comes in at #1 with a yearly cost of $2,168 for the average insurance policy, which is about $181 per month.

How much does auto insurance cost in Los Angeles?
Rank City Average Per Year
1 Los Angeles $2,168
2 Glendale $2,079
3 San Francisco $1,763
4 Oakland $1,704
5 Sacramento $1,669
6 San Bernardino $1,628
7 Long Beach $1,610
8 Santa Clarita $1,580
9 Fontana $1,566
10 Stockton $1,556
11 Modesto $1,532
12 Garden Grove $1,508
13 Moreno Valley $1,506
14 Santa Ana $1,497
15 Riverside $1,497
16 Fresno $1,457
17 Anaheim $1,444
18 San Jose $1,437
19 Huntington Beach $1,416
20 Bakersfield $1,394
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Premium amounts are estimated as the vehicle garaging location can decrease or increase premium rates significantly.

Finding the highest-rated insurance provider can be a challenge considering how many companies sell coverage in Los Angeles. The company rank data in the lists below may help you decide which car insurance providers you want to consider when comparing auto insurance rates for government employees. The rankings below only include insurance companies that insure vehicles in the majority of U.S. states, so smaller companies will not be included in the list.

Best 15 Auto Insurance Companies for Government Employees in California
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
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Data Source: Insure.com Best Car Insurance Companies

Price comparison of only insuring for liability

Reducing the cost of auto insurance is the goal of most drivers, and one easy way to save on the cost of insurance for government employees is to only buy liability insurance. The information below shows the difference between insurance costs with full coverage and liability only. Data assumes no accidents or driving violations, $1,000 deductibles, marital status is single, and no other discounts are factored in.

Averaged for all age groups, comp and collision coverage costs an additional $1,849 per year more than carrying just liability coverage. That brings up the question if you should buy full coverage at all. There is no definitive guideline of when to exclude comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.

There are some conditions where only buying liability is not a good plan. If you still have a lienholder on your title, you have to keep full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

Why you should be shopping around

Los Angeles auto insurance rates are based on many factors that control the policy price. Improving your credit rating, having a teenage driver, or getting a speeding ticket can trigger rate changes that can cause some rates to be cheaper in comparison to the competition. Not only may your situation change, but companies modify rates without warning as an adjustment for underwriting gains or losses. Higher than normal claim frequency or severity can result in more expensive prices, while lower claim levels may cause cheaper Los Angeles car insurance rates.

As an example, the data below shows which companies have the cheapest car insurance in Los Angeles, CA for a 40-year-old female driver with a clean driving record, no accidents, and a good credit rating. If we compare prices based on her personal risk profile, USAA may offer the cheapest car insurance rates in Los Angeles at $1,853 per year. This is $202 more than the average rate paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are the rest of the cheapest Los Angeles, CA auto insurance companies.

Now let’s give the driver in the first chart an at-fault accident, a little lower credit rating, and a traffic ticket or two. Since every insurance provider has a proprietary method to establish rates, comparing rates most likely will result in a different ranking of affordable companies as shown below.

Mercury now has the best car insurance rate in Los Angeles, CA with Grange, Progressive, GEICO, and Allstate now being in the top five. This illustrates why drivers need to take the time to shop around to find cheap insurance rates for government employees.

Prices are impacted by many things and change dramatically, so the cheapest company three years ago may now be quite expensive.